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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $48,672 | $165,361-70.6% | $149,715-67.5% | $158,950-69.4% |
| Participation rate | 90.9% | 84.6%+6.3pp | 82.5%+8.4pp | 82.0%+8.9pp |
| Annual return | 11.35% | 348.24%-336.9pp | 276.66%-265.3pp | 302.91%-291.6pp |
| Employer contribution / active EE | $2,102 | $5,103-58.8% | $4,645-54.7% | $4,762-55.8% |
| Participant deferral / active EE | $8,930 | $7,182+24.3% | $6,842+30.5% | $5,983+49.3% |
| Admin fee / account holder | $3,166 | $10,808-70.7% | $9,310-66.0% | $11,248-71.8% |